{"id":45941,"date":"2024-02-01T15:02:22","date_gmt":"2024-02-01T07:02:22","guid":{"rendered":"https:\/\/bjak.my\/blog\/?p=45941"},"modified":"2025-09-12T16:23:04","modified_gmt":"2025-09-12T08:23:04","slug":"car-insurance-key-coverages","status":"publish","type":"post","link":"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-key-coverages","title":{"rendered":"Car Insurance Terms: Understand These 5 Key Coverages"},"content":{"rendered":"\n<p>Navigating the world of car insurance can be daunting, with a myriad of terms and jargon that may leave many policyholders scratching their heads. We&#8217;ve previously covered seven important vehicle insurance terms that every car owner should know for easier reference. Click <a href=\"https:\/\/bjak.my\/blog\/vehicle-insurance-terms\/\">here<\/a> to check out that post. <\/p>\n\n\n\n<p>We will continue the discussion by shedding light on some essential <a href=\"https:\/\/bjak.my\/en\">car insurance<\/a> terms, for a clearer understanding of the coverages that protect you and your vehicle in various situations. Read on to find out what they are.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_50 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\">Contents =<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69d736d786a71\" aria-hidden=\"true\"><span style=\"display: flex;align-items: center;width: 35px;height: 30px;justify-content: center;direction:ltr;\"><svg style=\"fill: #999999;color:#999999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999999;color:#999999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/label><input  type=\"checkbox\" id=\"item-69d736d786a71\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-key-coverages\/#Legal_Liability_to_Passengers_LLP\" title=\"Legal Liability to Passengers (LLP)\">Legal Liability to Passengers (LLP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-key-coverages\/#Legal_Liability_of_Passengers_LLOP\" title=\"Legal Liability of Passengers (LLOP)\">Legal Liability of Passengers (LLOP)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-key-coverages\/#No-Claim_Bonus_NCB\" title=\"No-Claim Bonus (NCB)\">No-Claim Bonus (NCB)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-key-coverages\/#Strike_Riot_Civil_Commotion_SRCC\" title=\"Strike, Riot &amp; Civil Commotion (SRCC)\">Strike, Riot &amp; Civil Commotion (SRCC)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-key-coverages\/#Compensation_for_Assessed_Repair_Time_CART\" title=\"Compensation for Assessed Repair Time (CART)\">Compensation for Assessed Repair Time (CART)<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/bjak.my\/blog\/car-insurance\/car-insurance-key-coverages\/#Key_coverage_in_car_insurance\" title=\"Key coverage in car insurance\">Key coverage in car insurance<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Legal_Liability_to_Passengers_LLP\"><\/span>Legal Liability to Passengers (LLP)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Legal Liability to Passengers (LLP) is a crucial coverage in auto insurance that safeguards the driver against legal liabilities arising from injuries or damages sustained by passengers during an accident for which the driver is at fault. Also known as LLTP, this coverage helps cover medical expenses, rehabilitation costs, and legal fees associated with passenger claims. <\/p>\n\n\n\n<p>The annual premium for LLP is typically around 25% of the premium for basic third-party insurance. LLP is mandatory for foreign vehicles entering Singapore by land. So, if you&#8217;re planning to drive to the island nation, get this coverage from your insurance provider.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Legal_Liability_of_Passengers_LLOP\"><\/span>Legal Liability of Passengers (LLOP)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Legal Liability of Passengers (LLOP) is another important <a href=\"https:\/\/bjak.my\/blog\/liability-insurance-importance\/\">liability insurance<\/a> that protects vehicle owners from legal liability taken by a third party for negligence committed by their passengers. For instance, if a passenger opens the door without looking and causes damage to other motorists, LLOP coverage comes into play. <\/p>\n\n\n\n<p>In Malaysia, the annual premium for LLOP is a nominal RM7.50 per annum per vehicle. LLOP and LLP are often confused by many people since they sound similar to one another.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"No-Claim_Bonus_NCB\"><\/span>No-Claim Bonus (NCB)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>No-Claim Bonus (NCB) is a discount offered by insurance companies on <a href=\"https:\/\/bjak.my\/en\">vehicle insurance<\/a> premiums. Regulated by Persatuan Insurans Am Malaysia (PIAM), NCB serves as a reward and incentive for vehicle owners with a history of safe driving. <\/p>\n\n\n\n<p>The NCB rate for new vehicles starts at zero in the first year and accumulates over time as the policyholder avoids making claims. It is worth noting that No-Claim Discount (NCD) is an interchangeable term with NCB, both denoting the same concept.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Strike_Riot_Civil_Commotion_SRCC\"><\/span>Strike, Riot &amp; Civil Commotion (SRCC)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>SRCC is a coverage that protects your vehicle from damages caused by events such as strikes, riots, or civil commotion. While these incidents may be rare in Malaysia, having SRCC coverage ensures that your vehicle is safeguarded in case of unforeseen civil disturbances. SRCC is typically offered as an optional add-on coverage by most insurers which you must purchase by an additional premium.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Compensation_for_Assessed_Repair_Time_CART\"><\/span>Compensation for Assessed Repair Time (CART)<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Compensation for Assessed Repair Time or CART is a unique coverage that can also be seen in the list of optional benefits in car policies. It provides compensation based on the time it takes to repair your vehicle based on an adjuster&#8217;s report. This coverage is designed to alleviate the inconvenience and potential financial strain associated with prolonged repair durations. It is especially useful when repair times take longer than promised.<\/p>\n\n\n\n<h2><span class=\"ez-toc-section\" id=\"Key_coverage_in_car_insurance\"><\/span>Key coverage in car insurance<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Understanding car insurance terms is crucial for making informed decisions about coverage that suits your needs. Whether it&#8217;s protecting your passengers, mitigating legal liabilities, or enjoying discounts for safe driving, being well-versed in these terms empowers you as a policyholder. <\/p>\n\n\n\n<p>As you navigate the complex landscape of auto insurance, remember that knowledge is your best ally in ensuring comprehensive protection for you and your vehicle. Remember to follow our blog for more useful information like this one.<\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<p><em>Bjak is one of Malaysia&#8217;s biggest insurance comparison websites, offering policies from over 10 brands. Visit Bjak today to get your free insurance quote!<\/em><\/p>\n\n\n\n<div class=\"wp-container-1 wp-block-buttons\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link has-black-color has-luminous-vivid-amber-background-color has-text-color has-background\" href=\"https:\/\/bjak.my\/en?utm_source=blogen&amp;utm_campaign=car-insurance-key-coverages\" target=\"_blank\" rel=\"noreferrer noopener\"><strong data-l-s=\"50547\">Get Free Quote<\/strong><\/a><\/div>\n<\/div>\n\n\n\n<p><\/p>\n\n\n\n<p><em>Read more:<\/em><\/p>\n\n\n\n<ul><li><strong style=\"background-color: var(--nv-site-bg); color: var(--nv-text-color); font-family: var(--bodyfontfamily); font-size: var(--bodyfontsize); letter-spacing: var(--bodyletterspacing); text-transform: var(--bodytexttransform);\"><em><a href=\"https:\/\/bjak.my\/blog\/sum-insured-explained\/\">Understanding Sum Insured In Vehicle Insurance<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/myjpj-renew-roadtax\/\">How To Renew Your Roadtax Via The MyJPJ App?<\/a><\/em><\/strong><\/li><li><strong><em><a href=\"https:\/\/bjak.my\/blog\/takaful-car-insurance-2\/\">Why Takaful Car Insurance Could Be Your Ideal Policy<\/a><\/em><\/strong><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Explore the meanings of five crucial car insurance coverages for private vehicles and gain a clear understanding of how they work.<\/p>\n","protected":false},"author":19,"featured_media":45945,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"neve_meta_sidebar":"","neve_meta_container":"","neve_meta_enable_content_width":"","neve_meta_content_width":0,"neve_meta_title_alignment":"","neve_meta_author_avatar":"","neve_post_elements_order":"","neve_meta_disable_header":"","neve_meta_disable_footer":"","neve_meta_disable_title":"","spay_email":""},"categories":[431],"tags":[429,59],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v18.8 - 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